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论文编号：	11815
作者编号：	2320170683
上传时间：	2020/6/22 11:19:30
中文题目：	MS银行资产托管业务管理问题研究
英文题目：	Research on Management of Asset Custody Business of MS Bank
指导老师：	陆宇建
中文关键字：	资产托管；商业银行；战略定位
英文关键字：	Asset custody; Commercial Banks；Strategic Positioning
中文摘要：	中国资产托管业务开始于1998年，伴随着证券投资基金的产生而诞生，已经经历了20余年的发展历程。二十多年来，资产托管业务伴随着我国直接融资业务和资产管理业务的发展飞速崛起，为我国资管行业的发展保驾护航。资产托管业务作为典型的“绿色低碳”业务，不占用银行的风险资产，资源耗用少，能够带动存款沉淀，有效提升商业银行的盈利能力和综合盈利水平，是“新形势”下商业银行理想的利润增长点，越来越受商业银行的重视，成为众多商业银行争抢的“大蛋糕”。然而在资产托管业务快速发展的背后，存在着很多普遍的问题，比如银行战略定位模糊、重规模轻差异化、专业人才流失、提供的托管业务服务同质化严重等等。 MS银行是一家全国性股份制银行，2004年获得了证券投资基金托管业务资格，成为首批获得证券投资基金托管业务资格的股份制银行之一。经过多年发展，目前MS银行已经成为一家具有托管业务领域全牌照的托管银行。本文首先分析了国内外资产托管行业发展情况，然后分析了MS银行目前资产托管业务管理的基本现状，总结MS银行目前资产托管业务管理中存在的主要问题及原因。最后，本文从明确战略定位、实施差异化发展、优化管理体制和组织架构、提供专业人力资本支持等多个方面提出了改进MS银行资产托管业务管理的建议。本文主要从实践出发，结合作者多年在MS银行资产托管业务一线部门的工作经验，从目前MS银行资产托管业务发展现状及存在的问题分析，提出资产托管业务的发展建议，促进MS银行健康发展。
英文摘要：	China's asset custody business was started in 1998, with the emergence of securities investment funds. It had gone through a development process of more than 20 years. Over the past two decades, the asset custody business has been accompanied by the rapid rise of China's direct financing business and asset management business, guaranteeing the development of China's asset management industry. Asset custody business as a typical "green low carbon" business, do not take up the risk of bank assets, less resource consumption, to drive savings deposits, effectively improve the profitability of commercial Banks and comprehensive profit level, is the ideal of "new form" commercial bank profit growth, more and more get the attention of the commercial bank, become commercial Banks compete for the "big cake". MS bank is a national joint-stock bank. It obtained the securities investment fund custody business qualification in 2004 and became one of the first equity-based Banks to obtain the securities investment fund custody business qualification. After years of development, MS bank has now become a custody bank with full license in the field of custody business. This dissertation first analyzes the development of the asset custody industry at home and abroad, and then analyzes the basic development of the asset custody business of MS bank, and summarizes the main problems and reasons for the current development of the asset custody business of MS bank. Finally, this dissertation puts forward some Suggestions on the development of MS bank's asset custody business from the aspects of development mode, science and technology system, personnel training, assessment and incentive, and development orientation. This dissertation mainly starts from practice and combines the author's working experience in the front-line department of asset custody business of MS bank. Based on the analysis of the existing problems and current situation of the development of asset custody business of MS bank, this dissertation puts forward Suggestions on the development of asset custody business, hoping to provide some reference for MS bank in practice.
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